{"id":15338,"date":"2026-04-15T15:03:28","date_gmt":"2026-04-15T15:03:28","guid":{"rendered":"https:\/\/youset.ca\/?page_id=15338"},"modified":"2026-04-15T19:22:39","modified_gmt":"2026-04-15T19:22:39","slug":"disclosure-letter","status":"publish","type":"page","link":"https:\/\/youset.ca\/en\/disclosure-letter\/","title":{"rendered":"Disclosure letter"},"content":{"rendered":"\n\t<section id=\"simple-hero-block_304152fedc848a21ffd22533aafbdaea\" class=\"g-simple-hero pt-32 pb-16 text-center bg-indigo-600\">\n\t\t<div class=\"container\">\n\t\t\t<div>\n\t\t\t\t<div class=\"flex items-center justify-center gap-1 mb-8 body-4 text-grayBluish-100\">\n\t\t\t\t\t<a class=\"text-grayBluish-100\" href=\"https:\/\/youset.ca\/en\/\">Home<\/a>\n\t\t\t\t\t\t\t\t\t\t<span> > <\/span>\n\t\t\t\t\t<span class=\"text-grayBluish-100\">Disclosure Letter<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h1 class=\"mb-6 text-white max-w-[54rem] mx-auto\">Disclosure letter<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"!max-w-[54rem] mx-auto mb-8 prose text-white body-1\"><p>Last update: January 8, 2025<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"flex flex-col items-center justify-center gap-5 md:flex-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_82b161c91eea36121ac474fbc3a911d8\" class=\"g-info py-10 md:py-16 lg:py-20 \">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">1. Statement on services provided<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p>At YouSet, we\u2019re on a mission to build the most efficient and most loved insurance platform in Canada. In order to do so, our technology and team of insurance brokers work hard to find you the best coverage at a competitive price. As an insurance brokerage, we serve as an intermediary between you and the insurance companies we work with. We place your insurance with an insurer that provides a competitive price, is reliable and best suits your needs.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_c5f3b91c4ec0ce8a5e0f1b7b55c48fba\" class=\"g-info py-8 md:py-10 lg:py-12 \">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">2. Personal lines automobile and property commissions<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p>In return for our work, we are paid a commission by the insurance company based on your insurance premium. These commissions vary from company to company and also on the type of policy.<\/p>\n<p>For your benefit, we have listed below insurers that we represent and have included the range of compensation that they provide as a percentage of your overall premium.<\/p>\n<p>The companies marked with an asterisk (*) may also pay us a contingent commission. This contingent commission is based on a combination of many factors such as growth, profitability, volume, and retention. This contingent commission is not guaranteed and cannot be predicted in advance.<\/p>\n<ul>\n<li>April<\/li>\n<li>Aviva<\/li>\n<li>Chubb<\/li>\n<li>Echelon<\/li>\n<li>Economical*<\/li>\n<li>Estrie\u00a0Richelieu<\/li>\n<li>Intact*<\/li>\n<li>L\u2019Unique*<\/li>\n<li>Nordic<\/li>\n<li>Northbridge<\/li>\n<li>Optimum<\/li>\n<li>Pafco<\/li>\n<li>Premier<\/li>\n<li>Promutuel*<\/li>\n<li>Travelers<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Commission Range by Line of Business:<\/strong><\/p>\n<p>Automobile: 10-12.5%<\/p>\n<p>Personal Property: 15-20%<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_3d0b2092beb21a4c80ca6acde1f70d27\" class=\"g-info py-8 md:py-10 lg:py-12 \">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">3. Working with insurance companies<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p>In addition to the information above, we encourage you to also consult the commitments made by the insurance companies we work with by consulting their website.<\/p>\n<p>If you have any additional questions regarding our Disclosure Letter, please don\u2019t hesitate to contact us via email at contact@youset.ca.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_cbafc6c3d10cd65682ee7172c3559db9\" class=\"g-info py-8 md:py-10 lg:py-12 \">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">Other resources<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p><a href=\"https:\/\/www.cisro-ocra.com\/Documents\/View\/2402\">CISRO Principles of Conduct<\/a><\/p>\n<p><a href=\"https:\/\/www.ribo.com\/licensee-resources\/broker-standards\/forms-and-fact-sheet\/\">RIBO Fact Sheet<\/a><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":11,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-gutenberg.php","meta":{"_acf_changed":true,"footnotes":""},"class_list":["post-15338","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Disclosure Letter | YouSet<\/title>\n<meta name=\"description\" content=\"Learn more about how YouSet operates as an insurance brokerage and how we work with insurers, including important disclosure information.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/disclosure-letter\/\" \/>\n<meta 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